Refinancing Share Origination actual is at 39% in 2014. Forecast for 1st quarter of 2015 increased to 60%. The forecast for refinancing share origination is projected to fall from 55% in 1st quarter of 2016 to 30% in the last quarter of 2017.

Change in Residential Mortgage Debt is 0.0% in 1st quarter of 2016. Forecast from 2nd quarter of 2016 to last quarter 2017 will range between 3.5% to 4%